The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$38,237
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,427
−HK$1,208/mo
Today · 4.125%
HK$40,635
baseline
▲ 0.50% · 4.625%
HK$43,107
+HK$2,472/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$81,270/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,538
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,679
−HK$1,158/mo
Today · 4.125%
HK$44,837
baseline
▲ 0.50% · 4.625%
HK$47,200
+HK$2,363/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$89,674/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,885
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$47,312
−HK$1,450/mo
Today · 4.125%
HK$48,762
baseline
▲ 0.50% · 4.625%
HK$51,729
+HK$2,967/mo
Deposit HK$6.71M · loan HK$10.06M · min. income ≈ HK$97,524/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$628,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,046
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$52,415
−HK$1,389/mo
Today · 4.125%
HK$53,804
baseline
▲ 0.50% · 4.625%
HK$56,640
+HK$2,836/mo
Deposit HK$6.71M · loan HK$10.06M · min. income ≈ HK$107,608/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$628,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,532
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$55,197
−HK$1,692/mo
Today · 4.125%
HK$56,889
baseline
▲ 0.50% · 4.625%
HK$60,350
+HK$3,461/mo
Deposit HK$5.03M · loan HK$11.74M · min. income ≈ HK$113,778/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$628,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,554
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$61,151
−HK$1,620/mo
Today · 4.125%
HK$62,771
baseline
▲ 0.50% · 4.625%
HK$66,080
+HK$3,309/mo
Deposit HK$5.03M · loan HK$11.74M · min. income ≈ HK$125,542/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$628,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,827
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$70,968
−HK$2,175/mo
Today · 4.125%
HK$73,143
baseline
▲ 0.50% · 4.625%
HK$77,593
+HK$4,450/mo
Deposit HK$1.68M · loan HK$15.09M · min. income ≈ HK$146,286/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$628,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,569
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$78,623
−HK$2,083/mo
Today · 4.125%
HK$80,706
baseline
▲ 0.50% · 4.625%
HK$84,960
+HK$4,254/mo
Deposit HK$1.68M · loan HK$15.09M · min. income ≈ HK$161,412/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$628,830 · Scale 2, in force from 26 Feb 2026)